BlastPoint's Credit Union Scorecard

OSWEGO COUNTY

Charter #21927 · NY

100M-500M

1069 CUs in 100M-500M nationally 54 in NY

OSWEGO COUNTY has 8 strengths but faces 6 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.49% above tier average
+ Net Interest Margin 1.28% above tier average
+ Strong member growth: 9.3% YoY
+ Member Growth Rate: Top 3.7% in tier
+ First Mortgage Concentration (%): Top 9.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency ratio 2.87% above tier (higher cost structure)
- Delinquency rate 1.41% above tier average
- AMR Growth Rate: Bottom 2.7% in tier
- Total Delinquency Rate (60+ days): Bottom 5.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	14,627 +9.3% YoY+7.6% QoQ	-810	15,437 -2.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	57%
Assets	$146.7M +6.4% YoY+2.5% QoQ	$-85.2M	$231.9M +1.3% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	29%
Loans	$102.8M -1.2% YoY-0.3% QoQ	$-44.5M	$147.3M -0.1% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	36%
Deposits	$127.6M +5.2% YoY+2.0% QoQ	$-73.2M	$200.8M +0.8% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	29%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% +10.6% YoY-1.2% QoQ	+0.5%	0.8% +18.2% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	82%
NIM	4.9% +0.1% YoY+1.2% QoQ	+1.3%	3.6% +6.7% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	Top 4.1% in tier
Efficiency Ratio	79.9% +2.6% YoY+0.3% QoQ	+2.9%	77.0% -3.1% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	60%
Delinquency Rate	2.3% +133.8% YoY+133.0% QoQ	+1.4	0.9% +4.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	Bottom 5.2% in tier
Loan To Share	80.5% -6.0% YoY-2.3% QoQ	+8.3%	72.2% -1.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	65%
AMR	$15,755 -6.5% YoY-6.2% QoQ	$-9K	$24,676 +3.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	Bottom 12.0% in tier
CD Concentration	18.6% -7.5% YoY-1.0% QoQ	-5.8%	24.4%	16.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#9 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 9.34%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.25%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#31 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 9.34%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#17 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.25%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 9.34%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#18 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.32% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#35 of 208 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.49%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 9.34%

Peer Median: -

#41 of 1069 Top 3.7% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.88%

Peer Median: -

#44 of 1069 Top 4.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 7.59%

Peer Median: -

#98 of 1069 Top 9.1% in 100M-500M tier

142

Fee Income Per Member

profitability

Value: $251.42

Peer Median: -

#142 of 1069 Top 13.2% in 100M-500M tier

192

Return on Assets (ROA)

profitability

Value: 1.25%

Peer Median: -

#192 of 1069 Top 17.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1041

AMR Growth Rate

growth

Value: -6.49%

Peer Median: -

#1041 of 1069 Bottom 2.7% in 100M-500M tier

1014

Total Delinquency Rate (60+ days)

risk

Value: 2.30%

Peer Median: -

#1014 of 1069 Bottom 5.2% in 100M-500M tier

941

Average Member Relationship (AMR)

engagement

Value: $15,755

Peer Median: -

#941 of 1069 Bottom 12.1% in 100M-500M tier

821

Loan-to-Member Ratio (LMR)

engagement

Value: $7,028

Peer Median: -

#821 of 1069 Bottom 23.3% in 100M-500M tier